Call reports 2004
FIRST STATE BANK — 2004
What FIRST STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,400,000 | 53,590,000 | 54,488,000 | 56,004,000 |
| Total loans | 39,636,000 | 40,691,000 | 42,034,000 | 41,994,000 |
| Allowance for loan losses | 452,000 | 453,000 | 485,000 | 484,000 |
| Securities available for sale | 8,249,000 | 7,719,000 | 6,555,000 | 6,283,000 |
| Securities held to maturity | 1,047,000 | 842,000 | 841,000 | 841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,908,000 | 46,202,000 | 45,975,000 | 47,720,000 |
| Interest-bearing deposits | 41,284,000 | 40,903,000 | 39,449,000 | 40,348,000 |
| Noninterest-bearing deposits | 6,624,000 | 5,299,000 | 6,525,000 | 7,372,000 |
| Equity capital | 5,540,000 | 5,464,000 | 5,801,000 | 5,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,450,000 | 2,192,000 | 2,933,000 |
| Interest expense | 247,000 | 478,000 | 707,000 | 941,000 |
| Net interest income | 490,000 | 972,000 | 1,485,000 | 1,992,000 |
| Noninterest income | 32,000 | 95,000 | 129,000 | 266,000 |
| Noninterest expense | 167,000 | 362,000 | 552,000 | 789,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 355,000 | 710,000 | 1,064,000 | 1,471,000 |
| Income tax | 18,000 | 34,000 | 53,000 | 65,000 |
| Net income | 337,000 | 676,000 | 1,011,000 | 1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,325,000 | 5,433,000 | 5,674,000 | 5,432,000 |
| Total capital | 5,777,000 | 5,886,000 | 6,158,000 | 5,916,000 |
| Risk-weighted assets | 37,260,000 | 38,099,000 | 39,037,000 | 39,016,000 |